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a foreclosure crisis like this. i don't think their is a lot of temptation for municipalities to do this absented foreclosure crisis. why would you do this unless you really have a problem with declining home values and the cycle of foreclosures and declining values and-equis hitting the more foreclosures. it's like someone in the emergency room saying, well, a cardiac arrest and that it not want to use a defibrillator because i thought and a few months it would come back and say, can you shot my chest again . there is really not an incentive to do it unless we have circumstances like the ones that we have got. >> a couple of the comments i was going to make. one less thing, we should look elsewhere. you could use that, loans that have an fha guarantee. those might be deemed federal property. so this sort of threat, if a community even shows to do so, and not even sure it would be illegal. so what i describe as the scare tactic, what about everybody else. >> the perspective, local communities to take federal property indicated perpetually illegal. the 100 percent agreed. private-lab
, no one would be able to say that they were okay without sharp reprisal. the fact that we don't say these things out loud and we don't see that out loud regularly is really the only reason that i can understand that they don't get taken care of covetousness, change, he falls, and that was my kind of participation in occupy, to find these things together, to find this a team together and find a way to make change together. i will then echo what was said prior to me that nothing went horribly wrong. nothing in diet, and that all of these types of movements take a long time. and if you are particularly patient and particularly grounded i think in activism then you take a 20 year view and a 100 year view and if you are really good you realize your lifetime doesn't matter particularly much and you think that is mere few. there are a number of people that first level often occupy that are willing to do that. >> thank you so much. let's hear your perspective. >> in terms of why occupied a rose i don't have much to add, but i think that something dramatic has happened in the last 15 years o
, and if so, what has been the effect on -- [inaudible] >> um, i don't think it's add any significant effect on the -- we're doing well on time. we received 15,000 applications in the last year, 85% were completed in ten working days, and 99.8% within 60 working days in the foreign office. .. and number of questions we want to ask you in relation to these. >> next policy review on this organization would seem disappointed they haven't been involved in the review and also some of the industry her haven't been involved. do you have a particular view on that? with that officials how we do that and as explained to the committee i think in this year in 2012 we have had the protection of that decided including by the way the specific department. >> we have done the things we said we were going to do in the organization. there are new requirements to report from their concerns and i hope they include more information to this. >> they have an objective here in the proposal but we have made >> i would like to start with a couple questions. you keep saying the communities of history -- the so-called c
going to have to see. we don't control all those details. we cannot mandate that a lender lend to any particular consumer. we can just set up the right framework so we can rule out the reckless abuses like before the crisis. we think that having done so we are going open space for the credit union lenders we talked about. some of the programs we're talking about the non-profit groups and others and the main lending community to be more confident about their ability to lend to homeowners and the market will support that and they won't have to compete against some. bottom of the barrel, abusive, misleading types of loans they were competing against. we're going have to see how the market evolves from here. >> thank you. >> brian cue kusack? terri hunt? good afternoon, my name is i'm the vice president of the national association of federal credit unions. i have hope we have credit union members here today? excellent. as you know, credit unions are charged with providing credit to this country. it's something that congress has specifically told us we need to do. i think that is a shared
if there are delays, if there are problems, we don't really have a fallback option so we are down to a few critical paths for supporting the station, and so, the complementary nature between the commercial programs and the conservation program i felt was one of its strengths. the lack of a clear rationale for human exploration beyond the international space station is another serious problem. the administration's approach of being capability driven while it has a certain logic to it also has a lot of vulnerability. and historically i think a more strictly geopolitical approach such as i've talked about the close cold war approach for leading the international cooperation what in fact be a better approach for the united states. there are others that one could take that simply talking about the capabilities absent a strategic rationale that's integrated with other international u.s. interests i think is a very flout path as we are seeing today. >> thank you my time is expired. >> the gentleman from minnesota michigan, mr. clark. >> thank you mr. chair to get funding for nasa is important but especial
you can locate people. you don't talk about a settlement really at the moon, but more and more people that i know that are aware of the economics, aware of history and what this country needs will agree with me that if you go to mars, you go there for permanency. if you go once and come back, go twice and come back i can tell you the senate will find out some other way to spend that money and we will have wasted everything we did. it's a government, conagra's that works on short term objectives to help keep their constituents satisfied by bringing home the bacon to get elected. [inaudible] [laughter] >> from the lead to president kennedy played a role in developing nasa and the space program. where were you when you heard the news and what was your impression of his leadership? >> i was at mit, and i thought there's a very positive statement. after i knew what the mercury program had been set as objectives. in april of 611th, what could we do? may 5th ellen shepherd went up and down. several like richard branson's project. it wasn't a flight. 20 days later, the president said we shoul
,some -- somewhere between 3 and 8 million more will lose their homes if we don't do something. it's not in the rearview mirror, in fact, it's out in front of us. there's lots of con we think sos, obviously. first and foremost, it's the families themselves who are disrupted and taken from their homes, and it's worth just thinking about these numbers for a second. i mean, we're talking about three or four or five million more families, that's as many as 20 million more americans. why it's a problem, mike also alluded to, when you're underwater, your behavior changes. you don't spend as much money on anything. the only thing you consume more of, by the way, is health care. because under the stress, you find when you look at those numbers, that's the thing that goes up. so the costs are significant both to the family, but i'd argue to society and, obviously, to the communities in which these people live. foreclosures cost both hard dollars and soft dollars. there are property tax issues, so i say the consequences are felt by all of us. >> mr. miller, do you have anything to add to tha
about understanding the flaws in our criminal justice system in a way that i don't think had ever been, you know, very real to folks. and that was a critically important piece or contribution, i this i, of -- i think, of the cases. ultimately, kind of fast forward, governor rick perry pardoned my clients and exonerated them, but the reality is that that several of my clients left prison suffering from severe depression upon their release and developed very significant, um, issues after having been imprisoned wrongfully for four years. i remember calling and desperately trying to find a drug treatment for four of my clients who were living in their cars without any place, they couldn't get jobs because everyone, despite the exonerations, were still convinced they were guilty. and i remember calling around to the only drug treatment center for indigent folks, for poor folks in west texas and being told that probably i should get them reincarcerated because there in prison they were actually able to get treatment. and the absurdity of that was apparent to me. it was harder to find a treat
-- you certainly don't want to leave things worse than you found them. and this is, of course, much of the consternation and the stress, i suspect, of people in afghanistan feeling post-2014. what is going to be left behind? will the peace and stability hold? what about the ongoing development projects that are in that country? and that has been true going back to second world war and beyond. so put it into the context of syria. who can make the most meaningful contributions now? and the contribution doesn't have to be military. russia, i would suggest, should be called upon to step up and belly up to the u.n. security council and exert influence. they, i suggest, are the most influential at this time. and have the ability, number one, to stop supporting this regime that is slaughtering its citizens, to stop by its acquiescence standing on the sidelines and letting it happen while the rest of the world wrings its hands and sucks its teeth. >> how do we accomplish that? >> well, pause i think they can -- because i think they can exert influence in the capital of syria. i think they'r
. the issues we've been working on with esther and don at the department of energy. the recent ihs study projected with prodevelopment policy 166,000 new jobs created just in our upextreme sector by 2020 could be held by minority workers and more than 285,000 new jobs by 30. 2030. for our industry and for the millions of americans who were still looking for work. with up to half of our oil and gas industries technical personnel turning over over the next seven to ten years, our industry provides an important opportunity to address the challenge of high unemployment. but a key part of that solution, as we all well know, is government policy. that enabled the m3 of domestic energy production to continue on. and maintains a strong domestic refining sector rather than discuss couraging it. -- discouraging it. u.s. oil and natural gas companies are providing more than jobs and democratic drove in areas we often overlook or don't think about. for example the success of the industry means enhancing our energy security, our economic security, and national security. millions of americans gain ret
in constituencies don't always align with ours. when it's come under attack, tom has tirelessly made the case for free enterprise and forcefully advocates for what he calls the greatest economic system ever devised. and when others argue that america's best days are behind us, and its citizens and leaders are not up to the challenges before us, tom calls them out. 2013 marks tom's 15th year at the helm of this organization. every year it becomes increasingly clear and amazingly impressive for those of us who work for him that he doesn't ever slow down. he doesn't scale back. he doesn't rest on his laurels. he doesn't stop challenging himself, and all of us, to do more and to do it better. but today isn't about looking back. it's about looking ahead, about what we can and must do to make america a stronger and more prosperous country. tom's leadership style is reflected in the chamber's culture, and i know it will be reflected in our agenda in 2013. without further delay, please join me in welcoming the u.s. chamber of commerce president and ceo, tom donohue. [applause] >> we have upped the pr
that is important and one of the areas we need to address, one size doesn't fit all. we don't look at one system for every location. we need to make sure we look at the size of the location as well as management of the precinctss within the location. thank you. >> one thing i would like you to consider in the closing statement is advice that you would give to other jurisdictions that find themselves in a battleground state. earlier today we heard there were ten states that were identified as meeting that criteria. for some like ohio, pennsylvania, cloud ground in many ways that there were some state foot for the first time found themselves under the scrutiny you referred to particularly the third party interest group engagement. maybe one of the things you could talk about in the closing statement is advice you would give to other jurisdictions that find themselves with that designation as i battleground state. >> i would like to say to pat's statement, devoe -- devoe. presidential elections known through the years are very busy, busy for the staff, election offices, being a swing state, swing c
of consumers do even if you call them up or reach out to them, they don't trust you. so we have to rehabilitate and build that trust backup. but again, i just want to thank you for this opportunity to speak. but again, a beginning, not an end. >> thank you, mr. brown. we agree with that. robert kerwin? reverend gloria -- great. >> [inaudible] >> thank you very much. my name is pastor gloria jones swearengin. i'm co-chair of communities united of greater washington. i'm also a city commissioner on the commission for persons with disabilities, for the county of things george maryland. and i also -- prince george maryland and also want to commend you for your very important first step towards resolving a very egregious problem with regard to predatory lending. i myself am a predatory lending survivor. however, i am very concerned as to whether or not the protections built into your effort are adequate enough for people who are particularly vulnerable, that folks like myself, who are truly disabled, one of the things i would really like to happen is to get a copy of your proposal in some audio form
tenure, and i think the answer is it has, but only in part. i don't know if lynn agrees with that, but you have to start with a standard, and that standard, or that goal or a standard oring? like that, and that will cause change, and that will be be an incringement into private property. it's not easy to see how that can be avoided. it can be -- you can arrive at that level, but if you have a serious problem, if you don't set that standard level, not clear to me exactly how you get to where you want to go. on the other hand, the method of getting there is open and ought to be very flexible, and at least that's one of the things that i learned in brazil. it does lead me to one question that i'll put to you, and you can address it whenever in this session you want to, but that is, what we talked about today, and i think this has been really constructive conversation by an organization that i am so glad exists to which is what two secretaries put together, and if it is true that climate change is going to affect every piece of property we're talking about, whether this organization i
somebody from camby or some other, ethiopia where we don't know, could be questionable but we don't have the same degree of current, you know, the issues, but with those in iraq, afghanistan, jordan, syria, egypt, do we have some kind of a method in which there is a specific heightened level of scrutiny for those who are seeking to come into this country? my opening question, i know, related to asking for your response with regard to the 58,000 iraqi refugees who are already here. so i'm sort of giving you two questions, but i want you to answer about these other countries now, and then get back to when asked about the 58,000 iraqi refugees. >> let me do my best, but i think i'm again going to have to defer for specificity for my department of homeland security college. the types of checks that are implemented for refugees are largely similar, i think the difference, but again my colleagues will expand pond scum is a type of information that is available to us from those very checks. so when my colleagues talk about using databases, fingerprint databases from iraq, those definitely are j
Search Results 0 to 14 of about 15